KFW 153 - Repayment grants and maximum loan amounts increase

It may of course depend on the individual case whether the general contractor senses an opportunity to pocket the subsidy themselves, but just for the additional €15,000 in funding (20% of the originally planned loan amount of 100k minus the previous €5,000 repayment grant), the upgrade should be easily realizable. However, an amount X would still be added, which one would have already been willing to pay for the higher standard.

The general contractor will pocket a large part of the funding.

Then it stays as it is, so no big deal

So far, the KfW 153 program has been uninteresting for us. Thanks to equity, we get similar interest rates fixed over 15 years (KfW only 10 years) and with the house bank loan we are much more flexible (special repayments, rate changes, etc.) than with this rigid KfW construct, and the €5,000 grant for €100,000 loan for KfW55 doesn’t really make a difference. According to the current status, we would only build according to the 2016 Energy Saving Ordinance anyway. What do you think of the following idea:
- KfW153 loan for the efficiency standard 55 of about €28,200 – from this we pay for the upgrade (insulation + ZKWL)
- Repayment grant according to new conditions 15%, i.e. about €4,200, remaining debt €24,000
- We finance these €24,000 with Baukindergeld (2 children, so €24,000 over 10 years)

Not considered in this calculation is the repayment-free year (can you waive this and start repaying immediately?), which effectively leaves only 9 years for repayment and the interest costs. One would have to play around with the numbers a bit, but with a single-family house (150m², underfloor heating, heat pump, no basement), the surcharge from Energy Saving Ordinance to KfW55 should be payed off with €28,000, right?

So, GU called. The issue has been resolved since the additional cost is around 25,000 EUR and there is also a small implementation problem in one spot. Overall, we would have to lose money, which is not worth it to me.

That's what I call a defensive offer. He doesn't feel like changing plans now that he's already halfway through. If your technology is right ([Controlled residential ventilation + heat pump]), then I can never imagine how the thicker insulation needed to get from 55 to 40 could cost 25,000€. It's not a problem. Just want to say that this looks very much like a defensive offer.

Well, what can I say. I would have expected a lot less. If I remember the phone call correctly, alone €13,000 are attributed to the masonry or the other stone. So anyone building with [WDVS] has an advantage there. The rest insulation, floor slab, screed, roof... The technology already fits for me.